For Zelle, from 🤫 hussh
Bank-native instant transfer, made safer by consent.
Zelle moves more than a trillion dollars a year, in minutes, straight from one bank account to another, across 2,300+ banks and credit unions. That is a remarkable thing. 🤫 adds one more: the consent behind every transfer, made explicit, tamper-evident and revocable, with a receipt the person keeps. When a person's 🤫 Agent One sends money on their behalf, everyone can see it was truly what they wanted.
Instant money, with consent you can see.
You settle money instantly, directly between accounts at 2,300+ institutions.
🤫 records the consent behind each transfer as a tamper-evident, revocable receipt.
Instant settlement and clear consent. Safer on both sides.
Scams are the hardest problem in instant payments, for the whole industry.
Agent One makes every transfer it starts explicit, consented and auditable.
A consent signal that helps tell authorized transfers from scams.
Zelle lives inside the banking apps 150M+ enrolled people already use.
Agent One starts transfers by consent from the person's side, with no new rail to adopt.
Agent-initiated Zelle that stays inside the bank's trusted experience.
Instant, bank-native, trusted.
Zelle is the digital payments network run by Early Warning Services, LLC, which is owned by Bank of America, Capital One, JPMorgan Chase, PNC, Truist, U.S. Bank and Wells Fargo.
More than a trillion dollars in annual volume. Instant, bank-native transfer at national scale.
Banks and credit unions offering Zelle inside their own apps.
People enrolled through their bank. A habit already inside the app they trust.
Money typically moves in minutes, directly between bank accounts, with no wallet in between.
No separate app, no stored balance. Zelle lives where people already bank.
Run by Early Warning Services and owned by seven of the largest US banks. Deep institutional trust.
Instant settlement, distribution inside the bank and institutional trust. What an agent-initiated payment needs to be fast and safe.
Instant settlement
Money typically moves in minutes, directly between bank accounts. No float, no stored balance.
Inside the bank
Built into the apps of 2,300+ banks and credit unions. Nothing new to download, no wallet to fund.
National scale
More than $1T a year. One of the most-used digital payment networks in America.
Institutional trust
Run by Early Warning Services and owned by seven of the largest US banks.
No stored value
Straight from account to account. Simpler and safer than wallets that hold a balance.
Everywhere
150M+ people enrolled. A payment habit woven into everyday life.
Where Zelle is going.
Safe instant payments
Fewer scams and unauthorized transfers. The central trust challenge of real-time money.
Inside every bank
Payments where people already bank, with no separate wallet.
Scale with trust
Growing volume while keeping the trust of a bank-owned network.
Confidence
People sure that every instant transfer goes exactly where they mean it to.
One experience
A consistent Zelle experience across 2,300+ institutions.
Scale, safety, and a focus on the bank app.
Where Zelle has moved most recently, and where consent helps most.
Record volume
Annual volume well past $1T and still growing.
Fighting scams
Steady network and industry investment in reducing scams on instant payments. The hardest problem, and the one consent helps with most.
Focused on the bank app
Zelle wound down its separate consumer app to focus on the experience inside each bank's own app.
Network reach
More banks and credit unions joining, deepening Zelle's place in trusted banking apps.
Build together. Sell together. Take risk together.
Zelle settles instantly. 🤫 makes the consent behind each transfer clear. Not a new rail: a safety layer for the one people already use.
Build together: consent for instant transfer
Zelle moves money instantly between bank accounts.
Agent One starts a transfer only on explicit consent, and issues a PCHP receipt for it.
Instant settlement with a clear, revocable consent record. Safer on both sides.
Build together: consent as a fraud signal
Scams are the hardest problem in instant payments.
Every transfer Agent One starts is explicit, consented and auditable.
A consent layer that helps separate authorized transfers from scams.
Sell together: agent-initiated, inside the bank
Zelle is built into 2,300+ banking apps.
Agent One starts Zelle transfers by consent, inside the bank's trusted experience. No new rail.
Agent payments that stay bank-native and trusted.
Take risk together: a safety pilot
EWS is owned by seven major banks focused on payment safety.
A pilot where consent receipts travel with agent-initiated transfers as a fraud signal.
A consent-first reference pattern for safer instant payments.
The people building Zelle.
Cameron Fowler
CEO, Early Warning Services
Leads the bank-owned network behind Zelle and Paze, with safe instant payments at the center. A consent receipt traveling with each agent-initiated transfer is a fraud signal built for exactly that.
Instant money. Explicit consent.
Zelle moves money in minutes. 🤫 makes the consent behind it explicit and receipted. Together, agent-initiated instant payments become fast and safe, inside the bank people already trust. Private, sovereign AI for the moments that matter most. And 🤫 Agent One is free to every American.